first horizon, the well-run tennessee-based regional, or bb&t which could be a southeastern powerhouse this year. these companies have so many things going for them in 2013, chief of which, though, is the potential for actual revenue growth. we all know that this net interest margin bugaboo will be with us for some time if the fed keep the rates low. i'm predicting here and now the actual construction in small business lending by these banks could back -- could come back at the same time when the banks' investments that are on their balance sheets are resurgent, and the liabilities including the kind that bank of america put behind it today with its offloading of hard mortgages with fannie mae are now in the rearview mirror. i'm thinking liabilities meaning legal liabilities, not the deposits that they owe you. consider this the year when loan growth trumps the scant amount that may actually be made on each loan, although i think that's going to go up, too. overlaid with the possibility that demand could actually force rates higher despite what the fed wants, and that would be terrific